Frequently Asked Questions

We want to make sure you have an outstanding experience with your FDS vehicle protection plan. Below you can find the answers to drivers' most frequently asked questions. If you don’t see the answer you need, contact us and we’d be happy to help.

Will a vehicle protection plan save me money?

With today's advanced technology, vehicle repairs can be costly and unexpected. The costs of even one repair may easily exceed the cost of buying a FDS vehicle protection plan. No one can predict the future, but with a vehicle service contract, you’ll be protected from covered repair costs caused by unexpected mechanical breakdowns.

Do I really need a vehicle service contract?

As a vehicle ages and accrues mileage, the chances of having a mechanical failure increase. Your FDS vehicle protection plan will be there when you need it most — once the manufacturer’s basic warranty is no longer there to protect you.

Is the plan transferable if I decide to sell my vehicle before the coverage ends?

Yes, unlike many other plans, you can transferyour coverage to the next owner. This may help you get a higher resale value because the next owner will know that they are protected from unexpected repair costs. Learn how to transfer a contract or contact us for more information.

When does my coverage start?

For used vehicles, coverage begins Day One, Mile One, meaning you are fully protected against covered repair costs the day you purchase your vehicle. For new vehicles, coverage begins on the contract sale date.

Where can I take my vehicle for repairs?

Repairs can be made at any ASE-licensed and reputable service facility. We’ll even help you locate a preferred provider if you have a breakdown while traveling.

How do I file a claim for a covered repair?

Take your vehicle to the repair facility of your choice or utilize your plan’s towing benefit. Instruct the facility to contact us and we’ll authorize and pay for the covered repair directly. You only pay your deductible and any costs not directly covered by your plan. Find more detailed steps for filing a claim here.

When do I have to purchase the plan?

For vehicles no longer covered under the basic factory warranty, you must purchase the plan the same day you purchase the vehicle. For vehicles that still have factory coverage, you have until that warranty runs out. However, it is always less expensive to buy a plan when you have fewer miles on the car.

How do I know if my contract is active?

Once we have received and accepted your contract application and payment from your dealer, we will issue and mail you an ID card within six to eight weeks. You’ll want to keep this card with you in case you have problems while on the road. You may also look up your coverage online at any time.

Can I cancel the plan?

Contracts can be canceled, provided that eligibility criteria are met. Cancellation requests should be made through the selling dealer. To determine cancellation eligibility, check the Terms & Conditions of your contract, as well as any state-specific disclosures listed in the contract. Cancellation terms vary by state. You can look up your coverage to download a copy of your contract.

Can I renew my contract?

Prior to the expiration of the current contract, a contract can be renewed to extend your coverage, provided that eligibility criteria are met. Learn how to renew a contract or contact us for more information.

What if I have not received an ID card?

ID cards are issued once we have received payment from the dealer for your contract application, which could cause a delay in receipt of your ID card. You can look up your coverage or contact usfor more information.